PB WealthElite

PB WealthElite

PB WealthElite

For the life we live today and the legacy we leave tomorrow

PB WealthElite is a regular premium Investment-Linked Insurance Plan which provides insurance coverage against death and Total and Permanent Disability (TPD). This plan gives you the flexibility to choose from the various coverage and premium payment term that suit your needs. In addition, you can also enjoy enhanced protection by opting for the various optional benefits at an additional cost.

What Does PB WealthElite Offer?

Protect your loved ones’ future

  • Pays 100% of sum assured upon death1&2
  • Pays 200% of sum assured upon accidental death1
  • Pays 300% of sum assured if accidental death happens while in public transport1
  • Pays 600% of sum assured if accidental death due to natural disaster1

That’s not all, if your plan’s account value is higher than the above, the account value shall be payable instead, allowing your loved ones to receive more than what you have planned for them.

Protection continues even after TPD claim
This plan pays you 100% of the sum assured if you suffer TPD prior to age 70. The best part is, your plan will continue with the full sum assured, even after a TPD claim is made!

 

Support you to seek the best treatment for critical illness
This plan comes with Overseas Critical Illness Treatment Benefit3 that allows you to reimburse your medical bills up to 50% of your sum assured or RM1,000,000, whichever is lower, for overseas treatment for any one of the covered critical illnesses.

Celebrate your plan’s maturity with reward
Reap the rewards of your plan with 100% of your account value at maturity.
You will receive an additional 20% of your account value as a Maturity Booster4.

 

Maximise your investment value at any time
You can top-up your investment when opportunities arise, or switch to another AIA Investment Fund if your investment goals change.

Tailor your protection to your needs
You may choose to be covered for up to age 70, age 80 or age 100. You also have the option to choose your premium payment term either for 5 years, 10 years, 20 years, or throughout the coverage term.

 

Get more account value through Wealth Boost
When you sign up as an AIA Vitality member, you may receive additional account value under the Wealth Boost feature when your plan matures or ends due to death or TPD claim.

 Notes:

1Accidental death coverage is up to age 70. Only one of the death benefits above is payable. If your plan’s account value is higher than the benefits above, we will pay you the account value instead.

2For death after age 80 (for coverage term up to age 100), an additional 20% of account value (excluding account value from ad hoc top-up premiums, if any) shall be payable. This amount is capped at 20% of the sum assured of your PB WealthElite plan.

3Any claim under this benefit shall reduce the account value and may also reduce the sum assured. Only the cost of the first critical illness claimed is covered.

4Excluding account value from ad hoc top-up premiums (if any) and is capped at 20% of the sum assured of your PB WealthElite plan.

You can select additional optional riders to enhance your protection:

PB LifeExtra
Pays an additional 100% or 200% of the PB WealthElite plan’s sum assured if you pass away, with a coverage term of 10 or 20 years.

(Available for insured aged between 18 years old and 50 years old)

PB CriticalReset
Protect yourself against critical illnesses* for up to 2 times with Critical Reset feature. This Critical Reset feature restores the coverage back to 100% after 3 years from the date of diagnosis of a critical illness in which the rider coverage amount is fully claimed. The restored coverage amount will only be payable upon Stroke, Cancer or Heart Attack.

(Available for insured aged between 18 years old and 60 years old)

*Benefits are payable if the insured survives at least 15 days from the date of diagnosis of any of the 36 critical illnesses or a covered surgery.


PB WaiverExtra
Ensure continuous premium payment if you suffer TPD prior to age 70 or are diagnosed with any one of the covered critical illnesses.

(Available for insured aged between 18 years old and 60 years old)

PB SpouseWaiver Extra
Ensure continuous premium payment if your spouse passes away, suffers TPD prior to age 70 or is diagnosed with any one of the covered critical illnesses.

(Available for the insured spouse aged between 18 years old and 60 years old)

Who is eligible to buy PB WealthElite?

This plan is available for individuals aged between 18 years old and 70 years old.
The entry age varies based on the coverage term and premium payment term as shown in the table below.

Coverage Term

Premium Payment Term (years)

Entry Age (nearest birthday)

Up to age 70 5 or 10 18 – 55 years old
20 or full coverage term 18 – 50 years old
Up to age 80 5 or 10 18 – 65 years old
20 or full coverage term 18 – 60 years old
Up to age 100 5, 10, 20 or full coverage 18 – 70 years old

What doesn’t PB WealthElite cover?


  1. Any death arising from the occurrence of the following is not covered:
    • Death due to suicide within 1 year from the Issue Date or Commencement Date, whichever is later.

  2. Any TPD arising from the occurrence of the following is not covered:
    • Willful exposure to danger or attempted self-destruction or self-inflicted injuries while sane or insane;
    • Service in any armed forces in time of declared or undeclared war or while under orders for warlike operations or restoration of public order;
    • Entering, exiting, operating, or servicing, or being transported by any aerial device or conveyance except as a fare-paying passenger or crew member on a commercial passenger airline on a regular scheduled passenger trip over its established passenger route;
    • Any congenital defect which has manifested or was diagnosed before age 17; or
    • Pre-existing disability resulting from a physical or mental condition.

  3. Any accident death arising from the occurrence of the following is not covered under Accidental Death Benefit, Accidental Death in Public Conveyance Benefit and Accidental Death due to Natural Disaster Benefit:
    • Assault or murder;
    • Riot and civil commotion, industrial action or terrorist activity;
    • Willful exposure to danger or attempted self-destruction or self-inflicted injuries while sane or insane;
    • War, declared or undeclared, or revolution;
    • Service in the armed forces in time of declared or undeclared war or while under orders for warlike operations or restoration of public order;
    • Making an arrest as an officer of the law;
    • Violation or attempted violation of the law or resistance to arrest;
    • Participation in any fight or affray;
    • Racing on horse or wheels;
    • Accident occurring while or because the Insured is under the influence of alcohol, any non-prescribed drug or illegal drug;
    • Hernia, ptomaines or bacterial infection (except pyogenic infection which shall occur with and through an accidental cut or wound);
    • The intentional or negligent inhalation or consumption of poison, gases or noxious fumes; or
    • Entering, exiting, operating, or servicing, or being transported by any aerial device or conveyance except as a fare-paying passenger or crew member on a commercial passenger airline on a regular scheduled passenger trip over its established passenger route.

  4. Any critical illness arising from the occurrence of the following is not covered:
    • Pre-existing Conditions prior to the Issue Date or Commencement Date, whichever is later;
    • Cancer, Heart Attack, Coronary Artery By-Pass Surgery, Serious Coronary Artery Disease and Angioplasty and Other Invasive Treatments for Coronary Artery Disease, for which the signs or symptoms first occurred within 60 days following the Issue Date or Commencement Date, whichever is later;
    • All other critical illnesses for which the signs or symptoms first occurred within 30 days following the Issue Date or Commencement Date, whichever is later;
    • Critical illness was diagnosed directly or indirectly due to a congenital defect or disease which has manifested or was diagnosed before age 17;
    • The diagnosis of Fulminant Viral Hepatitis, Cancer, Encephalitis, Bacterial Meningitis, Alzheimer’s Disease / Severe Dementia or Terminal Illness was directly or indirectly due to an Acquired Immune Deficiency Syndrome (AIDS) or infection by any Human Immunodeficiency Virus (HIV); or
    • Any critical illness which is caused by a self-inflicted injury.

The description, benefits, exclusions, terms and conditions described above have been summarized and are not exhaustive. For a detailed explanation on its benefits, terms and conditions and exclusions, please refer to the policy contract.


To find out more, call us now at toll free number 1-800-22-9999 or visit any of our branches for more information!



This plan is underwritten by AIA Bhd. licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia.

Contact Details: AIA Bhd. (790895-D) Menara AIA, 99 Jalan Ampang, 50450 Kuala Lumpur, P.O. Box 10846, 50927 Kuala Lumpur.


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